hat and jackets are great and are a symbol of what a ben torah looks like today, you wouldn’t find a big time rabbi or kollel guy davening or walking around in the street but if its not practical situation then i won’t e.g. if it’s 90 degrees outside or if the shul is too stuffy. wearing a hat and jacket while mowing the lawn is ridiculous and you most certainly not find a rabbi mowing the lawn and he probably wouldn’t wear a hat and jacket if he would mow by himself.